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This document constitutes a response to a Consultation Paper published by the Bank of England and HM Treasury, "The digital pound: a new form of money for households and businesses?", the latest document in a series that includes "Central…
Aim: This research proposes the first solely sociodemographic measure of digital accessibility for Great Britain. Digital inaccessibility affects circa 10 million people who are unable to access or make full use of the internet,…
Data is everywhere but may not be accessible to everyone. Conventional data visualization tools and guidelines often do not actively consider the specific needs and abilities of people with Intellectual and Developmental Disabilities (IDD),…
This paper addresses the strategic challenges of deposit banks, and payment clearinghouses, posed by the growing role of mobile operators as collectors and payment agents for flows of cash for themselves and third parties. Through analysis…
Interactive information dashboards can help both specialists and the general public understand complex datasets; but interacting with these dashboards often presents users with challenges such as understanding and verifying the presented…
Digital inaccessibility continues to be a significant barrier to true inclusion and equality. WebAIM's 2024 report reveals that only 4.1% of the world's top one million website homepages are fully accessible. Furthermore, the percentage of…
The Global South faces unique challenges in achieving digital inclusion due to a heavy reliance on mobile devices for internet access and the prevalence of slow or unreliable networks. While numerous studies have investigated web…
The edge of the network has the potential to host services for supporting a variety of user applications, ranging in complexity from data preprocessing, image and video rendering, and interactive gaming, to embedded systems in autonomous…
Blockchain architectures promise disruptive innovation but factually they pose many architectural restrictions to classical service-based applications and show considerable design, implementation, and operations overhead. Furthermore, the…
In this paper we argue that policies are an increasing concern for organizations that are operating a web site. Examples of policies that are relevant in the domain of the web address issues such as privacy of personal data, accessibility…
With the rise of cryptocurrency and NFTs in the past decade, blockchain technology has been an area of increasing interest to both industry and academic experts. In this paper, we discuss the feasibility of such systems through the lens of…
Personalization and adaptation to the user profile capability are the hottest issues to ensure ambient assisted living and context awareness in nowadays environments. With the growing healthcare and wellbeing context aware applications,…
Focusing on different economic instruments implemented in intersection operations under a connected environment, this paper analyzes their advantages and disadvantages from the travelers' perspective. Travelers' concerns revolve around…
With the recent rapid rise in Generative Artificial Intelligence (GAI) tools, it is imperative that we understand their impact on people with disabilities, both positive and negative. However, although we know that AI in general poses both…
In telecommunications, network service accessibility as a requirement is closely related to equitably serving the population residing at locations that can most appropriately be described as remote. Remote connectivity, however, would have…
To help the blind people walk to the destination efficiently and safely in indoor environment, a novel wearable navigation device is presented in this paper. The locating, way-finding, route following and obstacle avoiding modules are the…
The communications sector is undergoing significant changes, with the emergence of a number of platforms available to provide a different range of services. Some of these platforms are complementary to each other, while others are…
Augmentative and alternative communication (AAC) is a field of research and practice that works with people who have a communication disability. One form AAC can take is a high-tech tool, such as a software-based communication system. Like…
Globally, two billion people and more than half of the poorest adults do not use formal financial services. Consequently, there is increased emphasis on developing financial technology that can facilitate access to financial products for…
Financial inclusion ensures that individuals have access to financial products and services that meet their needs. As a key contributing factor to economic growth and investment opportunity, financial inclusion increases consumer spending…